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Jurnal Ekonomi Syariah Teori dan Terapan
Published by Universitas Airlangga
ISSN : 24071935     EISSN : 25021508     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Ekonomi Syariah Teori dan Terapan (JESTT) accepts original manuscripts in the field of Islamics Economics, including research reports, case reports, application of theory, critical studies and literature reviews.
Arjuna Subject : -
Articles 1,152 Documents
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Stock Market Reaction to the Merger of State-Owned Islamic Banks Mirna Ainurrachma; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 1 (2022): Januari-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20221pp92-105

Abstract

ABSTRAK Penelitian ini bertujuan mengetahui bagaimana reaksi pasar terhadap  pengumuman  merger bank syariah BUMN, yaitu BRI Syariah, Bank Syariah Mandiri, dan Bank BNI Syariah menjadi bank Syariah Indonesia, sehingga diketahui efisiensi pasarnya. Penelitian ini menggunakan pendekatan kuantitatif degan metode event study untuk meganalisis reaksi pasar terhadap suatu peristiwa. Ada atau tidak adanya reaksi pasar akan diukur melalui variabel abnormal return (AR) dan trading volume activity (TVA). Subyek penelitian ini adalah BRI Syariah (BRIS) yang merupakan existing company merger dan satu-satunya yang sudah listing di Bursa Efek Indonesia (BEI). Teknik analisis yang digunakan adalah Uji Paired Sample t-Test pada AR dan TVA. Hasil penelitian ini menunjukkan tidak terdapat perbedaan abnormal return yang signifikan sebelum dan sesudah pengumuman merger, namun signifikan pada TVA. Bagi investor, pengumuman merger direaksi oleh pasar secara positif, namun tidak berlebihan sehingga tidak memberikan abnormal return yang signifikan. Adanya keputusan merger membuat pasar saham lebih aktif yang ditandai dengan meningkatnya TVA. Lebih lanjut, adanya informasi merger perusahaan tidak selalu disertai dengan abnormal return. Maka dari itu, investor disarankan untuk tidak melakukan spekulasi berlebihan menghadapi informasi merger tersebut. Kata Kunci: Bank Syariah, Merger, Abnormal Return, Volume Perdagangan.   ABSTRACT This study aims to determine how the market reaction to the announcement of the merger of state-owned Islamic banks, namely BRI Syariah, Bank Syariah Mandiri, and Bank BNI Syariah to become Indonesian Islamic banks, so that market efficiency is known. This research uses a quantitative approach with the event study method to analyze the market reaction to an event. The presence or absence of market reaction will be measured through abnormal return (AR) and trading volume activity (TVA) variables. The subject of this research is BRI Syariah (BRIS) which is the existing company merger and the only one that has been listed on the Indonesia Stock Exchange (IDX). The analytical technique used is the Paired Sample t-Test on AR and TVA. The results of this study indicate that there is no significant difference in abnormal returns before and after the announcement of the merger, but it is significant for TVA. For investors, the market reacted positively to the announcement of the merger, but not excessively so that it did not provide a significant abnormal return. The merger decision made the stock market more active, which was marked by an increase in TVA. Furthermore, information about company mergers is not always accompanied by abnormal returns. Therefore, investors are advised not to make excessive speculation regarding the merger information. Keywords: Bank Shariah, Merger, Abnormal Return, Trading Volume Activity.   DAFTAR PUSTAKA Al Islami, M. A. F., & Mawardi, I. (2019). Analisis reaksi pasar terhadap pengumuman right issue (Studi kasus pada saham yang terdaftar di ISSI). Jurnal Ekonomi Syariah Teori Dan Terapan, 6(6), 1101–1113. https://doi.org/10.20473/vol6iss20196pp1101-1113 Chhetri, S. D., & Baral, R. P. (2018). Event study of effect of merger announcement on stock price in Nepal. Journal of Business and Management, 5(1), 64–73. https://doi.org/10.3126/jbm.v5i0.27390 Crouzille, C., Lepetit, L., & Bautista, C. (2008). How did the Asian stock markets rexct to bank mergers after the 1997 financial crisis? Pacific Economic Review, 13(2), 171–182. https://doi.org/10.1111/j.1468-0106.2008.00395.x Dodd, P. (1980). Merger proposals, management discretion and stockholder wealth. Journal of Financial Economics, 8(2), 105–137. https://doi.org/10.1016/0304-405X(80)90014-8 Jackson, L. A. (2015). Market reaction to bidder announcements of horizontal mergers in an oligopolistic industry: Evidence from the US airline industry. Tourism Economics, 21(6), 1255–1271. https://doi.org/10.5367/te.2014.0401 Jayaraman, N., Frye, M. B., & Sabherwal, S. (2001). Informed trading around merger announcements: An empirical test using transaction volume and open interest in options market. Financial Review, 36(2), 45–74. https://doi.org/10.1111/j.1540 Mackinlay, A. C. (1997). Event Studies in Economics and Finance. Journal of Economic Literature, 35(1), 13–39. Mcwilliams, A., & Siegel, D. (1997). Event studies in management research: Theoretical and empirical issues. Academy of Management Journal, 40(3), 626–657. https://doi.org/10.2307/2570566288.2001.tb00010.x Moin, A. (2004). Merger, akuisisi & divestasi. Yogyakarta: Ekonisia. OJK. (2020). Data dan statistik perbankan syariah. Retrieved from https://www.ojk.go.id/id/kanal/syariah/data-dan-statistik/statistik-perbankan-syariah/Default.aspx Reddy, K., Qamar, M., & Yahanpath, N. (2019). Do mergers and acquisitions create value?: The post-M&A performance of acquiring firms in China and India. Studies in Economics and Finance, 36(2), 240–264. https://doi.org/10.1108/SEF-01-2018-0027 Tandelilin, E. (2010). Portofolio dan investasi. Yogyakarta: Kanisius.
The Effect of Entrepreneurship Education, Commitment to Entrepreneurship on Nascent Halalpreneurial Intention of Muslim Students in Surabaya Rika Rika; Ririn Tri Ratnasari
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 2 (2022): Maret-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20222pp156-167

Abstract

ABSTRAK Entrepreneurship education dianggap mempunyai pengaruh terhadap nascent halalpreneurial intention. Penelitian ini menggunakan mahasiswa Muslim di Indonesia yang sedang atau telah menempuh mata kuliah kewirausahaan sebagai obyek penelitian. Selain itu, entrepreneurship education dapat menjadi faktor penting timbulnya commitment to entrepreneurship pada mahasiswa dan menumbuhkan niat berbisnis dikalangan mahasiswa. Hal ini karena entrepreneurship diakui sebagai cara untuk menciptakan lapangan kerja dan mengurangi pengangguran. Menggunakan metode penelitian kuantitatif dan kuesioner yang disebarkan secara online kepada responden mahasiswa Muslim, ditemukan bahwa entrepreneurship education dan commitment to entrepreneurship berkaitan dengan nascent halalpreneurial intention pada mahasiswa Muslim di Surabaya. Kata Kunci: Entrepreneurship, Entrepreneurship education, Commitment to entrepreneurship, Innovativeness, Nascent halalpreneurial intention.   ABSTRACT Entrepreneurship education is considered to have an influence on nascent halalpreneurial intention. This study uses Muslim students in Indonesia who are currently taking or have taken entrepreneurship courses as research objects. In addition, entrepreneurship education can be an important factor in generating commitment to entrepreneurship among students and fostering business intentions among students. This is because entrepreneurship is recognized as a way to create jobs and reduce unemployment. Using quantitative research methods and questionnaires distributed online to Muslim student respondents, it was found that entrepreneurship education and commitment to entrepreneurship were related to nascent halalpreneurial intention to Muslim students in Surabaya. Keywords: Entrepreneurship, Entrepreneurship education, Commitment to entrepreneurship, Innovativeness, Nascent halalpreneurial intention.   DAFTAR PUSTAKA Adam, A., & Fayolle, A. (2015). Bridging the entrepreneurial intention-behaviour gap: The role of commitment and implementation intention. International Journal of Entrepreneurship and Small Business, 25(1), 36-54. Alam, M. Z., Kousar, S., Rehman, C. A. (2019). Role of entrepreneurial motivation on entrepreneurial intentions and behaviour: Theory of planned behaviour extension on engineering students in Pakistan. Journal of Global Entrepreneurship Research, 9(10), 1-20. Ayalew, M. M. (2020). Bayesian hierarchical analyses for entrepreneurial intention of students. Journal of Big Data, 7(1), 1–23. https://doi.org/10.1186/s40537-020-00293-x. Badan Pusat Statistik. (2020). Tingkat pengangguran terbuka (TPT) sebesar 7,07 persen. Retrieved from https://www.bps.go.id/pressrelease/2020/11/05/1673/agustus-2020--tingkat-pengangguran-terbuka--tpt--sebesar-7-07-persen.html. Baliamoune-Lutz, M., & Garello, P. (2015). The effect of tax progressivity on the quality of entrepreneurship: How significant is the phenomenon of “poor entrepreneurship”?. SSRN Electronic Journal. http://dx.doi.org/10.2139/ssrn.2585567 Bosma, N., Schott, T., Terjesen, S., & Kew, P. (2016). Global Entrepreneurship Monitor 2015 to 2016: Special topic report on social entrepreneurship. http://dx.doi.org/10.2139/ssrn.2786949]. Bosma, N., & Kelley, D. (2019). Global entrepreneurship monitor 2018/2019 global report. Chile: Gráfica Andes. Bustamam, U. S. A. (2012). Growth strategy of Malay entrepreneurs – challenges and opportunities: A Malaysian. Malaysia: Universiti Sains Islam Malaysia. Gollwitzer, P. M., & Brandstätter, V. (1997). Implementation intentions and effective goal pursuit. Journal of Personality and Social Psychology, 73(1): 186–199. http://dx.doi.org/10.1037/0022-3514.73.1.186 Hamdi, A. S. & Bahruddin, E. (2014). Metode penelitian kuantitatif aplikasi dalam pendidikan. Yogyakarta: Deepublish. Haryono, S. (2016). Metode SEM untuk penelitian manajemen dengan AMOS LISREL PLS. Bekasi: Badan Penerbit PT. Intermedia Personalia Utama. Hassan, A., Saleem, I., Anwar, I., & Hussain, S. A. (2020). The entrepreneurial intention of Indian university students: The role of opportunity recognition and entrepreneurship education. Education & Training, 62(7/8), 843-861. https://doi. org/10.1108/ET-02-2020-0033 Hejazinia, R. (2015). The impact of IT-based entrepreneurship education on entrepreneurial intention. International Journal of Management, Accounting and Economics, 2(3), 243–253. Linan, F. (2004). Intention-based models of entrepreneurship education. Piccolla Impresa/Small Business, 3(1), 11–35. Hussain, A., & Norashidah, D. (2015). Impact of entrepreneurial education on entrepreneurial intentions of Pakistani students. Journal of Entrepreneurship and Business Innovation, 2(1), 43. http://dx.doi.org/10.5296/jebi.v2i1.7534 Enggartiasto tingkat kewirausahaan di indonesia rendah. (2018). https://republika.co.id/berita/ekonomi/korporasi/18/10/18/pgsax3383enggartiasto-tingkat kewirausahaan-di-indonesia-rendah Jena, R. K. (2020). Measuring the impact of business management Student’s attitude towards entrepreneurship education on entrepreneurial intention: A case study. Computers in Human Behavior, 107(December 2018), 106275. https://doi.org/10.1016/j.chb.2020.106275 Kementerian Agama Republik Indonesia. (2017). Terjemahan Al-Qur’an. Jakarta: Kemenag RI. Kibler, E. (2012). Formation of entrepreneurial intentions in a regional context. Entrepreneurship & Regional Development, 25(3-4), 293-323. https://doi.org/10.1080/08985626.2012.721008 Koyviriyakul, K. (2016). The intention of software developers to be startup entrepreneurs. Unpublished master thesis, Bangkok: Thammasart University. Kurniawan, R. (2013). Pengaruh penerapan model pembelajaran teaching factory 6 langkah (TF-6M) dan prestasi belajar kewirausahaan terhadap minat wirausaha. Jurnal Pendidikan Teknologi Kejuruan, 10(1), 57-66. https://doi.org/10.17509/invotec.v10i1.5092 Linan, F., & Chen, Y. W. (2009). Development and cross‐cultural application of a specific instrument to measure entrepreneurial intentions. Entrepreneurship Theory and Practice, 33(3), 593- 617. https://doi.org/10.1111/j.1540-6520.2009.00318.x Margharita, B., Panagiotis, K., Yves, P., & Lieve, V. (2016). EnterComp: The entrepreneurship competence framework. Luxembourg: Publications Office of the European Union. http://dx.doi.org/10.2791/160811 Meyer, J. P., & Herscovitch, L. (2001). Commitment in the workplace: Toward a general model. Human Resource Management Review, 11(3), 299–326. https://doi.org/10.1016/S1053-4822(00)00053-X Munawaroh. (2018). The effect of problem-based learning (PBL) method on students critical thinking skills on entrepreneurship practice course (a study on economics education department in the college education and teachers' training PGRI Jombang East Java Indonesia). Journal of Entrepreneurship Education, 21(1). Nabi, G., Liñan, F., Fayolle, A., Krueger, N., & Walmsley, A. (2017). The impact of entrepreneurship education in higher education: A systematic review and research agenda. Academy of Management Learning and Education, 16(2), 277–299. https://doi.org/10.5465/amle.2015.0026 Nowiński, W., Haddoud, M. Y., Lančarič, D., Egerová, D., & Czeglédi, C. (2019). The impact of entrepreneurship education, entrepreneurial self-efficacy and gender on entrepreneurial intentions of university students in the Visegrad countries. Studies in Higher Education, 44(2), 361–379. https://doi.org/10.1080/03075079.2017.1365359. Pittaway, L., & Cope, J. (2016). Entrepreneurship education: a systematic review of the evidence. International Small Business Journal 25(5), 479-510. http://dx.doi.org/10.1177/0266242607080656 Ratnasari, R. T. (2020). Halal tourism based on value creation. Al-Uqud : Journal of Islamic Economics, 4(2), 268-284. https://doi.org/10.26740/al-uqud.v4n2.p268-284 Ratnasari, R. T., Gunawan, S., Possumah, B. T., Widiastuti, T., & Herianingrum, S. (2019). Halal food certification for improving the competitiveness of small and medium enterprises, Opcion, 35(22), 510-525. http://dx.doi.org/10.18502/kss.v3i13.4266 Ratnasari, R. T., Ula, U. F., & Sukmana, R. (2020). Can store image moderate the influence of religiosity level on shopping orientation and customers’ behavior in Indonesia?. Journal of Islamic Accounting and Business Research, 12(1), 78-96. https://doi.org/10.1108/JIABR-01-2017-0006 Rasli, A. M., Khan, S.U., Malekifar, S., & Jabeen, S. (2013). Factors affecting entrepreneurial intention among graduate students of Universiti Teknologi Malaysia. International Journal of Business and Social Science, 4(2), 182-188. Ruskovaara, E., & Pihkala, T. (2015). Entrepreneurship education in schools: Empirical evidence on the teacher’s role. The Journal of Educational Research, 108(3), 236–249. https://doi.org/10.1080/00220671.2013.878301 Sherkat, A., & Chenari, A. (2020). Assessing the effectiveness of entrepreneurship education in the universities of Tehran province based on an entrepreneurial intention model. Studies in Higher Education, 0(0), 1–19. https://doi.org/10.1080/03075079.2020.1732906 Souitaris, V., Zerbinati, S., & Al-Laham, A. (2007). Do entrepreneurship programmes raise entrepreneurial intention of science and engineering students? The effect of learning, inspiration and resources. Journal of Business Venturing, 22(4), 566–591. https://doi.org/10.1016/j.jbusvent.2006.05.002 Thompson, E. K. (2009). Individual entrepreneurial intent: Construct clarification and development of an internationally reliable metric. Entrepreneurship Theory and Practice, 33(3), 669–694. https://doi.org/10.1111/j.1540-6520.2009.00321.x. Tuazon, G., Bellavitis, C., & Filatotchev, I. (2018). Nascent entrepreneurship research: Theoretical challenges and opportunities. Academy of Management Proceedings, 1–49. https://doi.org/10.5465/AMBPP.2018.11583abstract Ucbasaran, D., Westhead, P., & Wright, M. (2000). The focus of entrepreneurial research: Contextual and process issues. Entrepreneurship: Theory and Practice, 25(4), http://dx.doi.org/10.1177/104225870102500405 Utami, W. C. (2017). Attitude, subjective norms, perceived behavior, entrepreneurship education and self-efficacy toward entrepreneurial intention university student in Indonesia. European Research Studies Journal, 20(2), 475-495. Vamvaka, V., Stoforos, C., Palaskas, T., & Botsaris, C. (2020). Attitude toward entrepreneurship, perceived behavioral control, and entrepreneurial intention: dimensionality, structural relationships, and gender differences. Journal of Innovation and Entrepreneurship, 9(1). https://doi.org/10.1186/s13731-020-0112-0 Verhaest, D., & Baert, S. (2018). The effects of workplace learning in higher education on employment and match quality: Is there an early career trade-off? Empirical Economics, 55(3),1229–1270. 10.1007/s00181-017-1308-4 Wals, A. E. (2009). The UNESCO: Review of contexts and structures for education for sustainable development. Paris, France: UNESCO. Wathanakom, N., Khlaisang, J., & Songkram, N. (2020). The study of the causal relationship between innovativeness and entrepreneurial intention among undergraduate students. Journal of Innovation and Entrepreneurship, 9(1). https://doi.org/10.1186/s13731-020-00125-5 Wei, X., Liu, X., & Sha, J. (2019). How does the entrepreneurship education influence the students’ innovation? Testing on the multiple mediation model. Frontiers in Psychology, 10(July). https://doi.org/10.3389/fpsyg.2019.01557 Welsch, H., Liao, J., Pistrui, D., Oksöy, D., & Huang, W. (2003). Entrepreneurial commitment, sacrifice, motivations and growth aspirations of Chinese entrepreneurs. Retrieved from http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.336.6730&rep=rep1&type=pdf Xu, X., Ni, H., & Ye, Y. (2016). Factors influencing entrepreneurial intentions of Chinese secondary school students: An empirical study. Asia Pacific Education Review, 17, 625-635. https://doi.org/10.1007/s12564-016-9439-4  
Are Islamic Banks in Indonesia Classified as Efficient? (DEA Window Analysis) Fadlilatun Ni'mah; Nisful Laila
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 2 (2022): Maret-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20222pp182-191

Abstract

ABSTRAK Tujuan dari penelitian ini yaitu untuk menganalisis tingkat efisiensi bank umum syariah di Indonesia periode 2015 – 2019. Penelitian ini menggunakan pendekatan kuantitatif dengan metode DEA Window Analysis. Hasil dari penelitian ini menyatakan bahwa rata-rata skor efisiensi Bank Umum Syariah tahun 2015-2019 asumsi CRS sebesar 90%, dengan skor stabilitas (LDP) sebesar 0,075. Sedangkan rata-rata skor efisiensi asumsi VRS adalah 96%, dengan skor stabilitas (LDP) sebesar 0,065. Pengukuran efisiensi yang terbaik tahun 2015-2019 adalah dengan asumsi Variable Return to Scale (VRS). Bank Syariah Mandiri dan Bank Victoria Syariah pada asumsi VRS merupakan bank yang memiliki skor efisiensi dan yang paling stabil dibandingkan dengan bank lainnya. Kata Kunci: Bank Umum Syariah, efisiensi, DEA window, stabilitas.   ABSTRACT The purpose of this study is to analyze the efficiency level of Islamic commercial banks in Indonesia for the period 2015 – 2019. This study uses a quantitative approach with the DEA Window Analysis method. This study found that the average efficiency score of Islamic Commercial Banks in 2015-2019 with the CRS assumption is 90%, with a stability score (LDP) of 0.075.  While the average efficiency score for the VRS assumption is 96%, with a stability score (LDP) of 0.065. The best efficiency measurement in 2015-2019 is assuming Variable Return to Scale (VRS). Bank Syariah Mandiri and Bank Victoria Syariah on the assumption of VRS are banks that have efficiency scores and are the most stable compared to other banks. Keywords: Shariah commercial banks, efficiency, DEA window, stability.   DAFTAR PUSTAKA Ali, M. (2013). Buku saku perbankan syariah. Jakarta: Kementerian Agama Republik Indonesia. Andrianto., & Firmansyah, M. A. (2019). Manajemen bank syariah (implementasi teori dan praktek). Pasuruan: CV. Penerbit Qiara Media. Ascarya. (2006). Akad dan produk bank syariah: Konsep dan praktek di beberapa negara. Jakarta: Rajawali Pers. Astutiningrum, L. P., & Haryanto, M. (2016). Analisis nilai efisiensi perbankan di Indonesia menggunakan metode data envelopment analysis (DEA) (Studi pada bank umum konvensional yang terdaftar di BEI periode 2011-2014). Diponegoro Journal of Management, 5(2), 624-634. Bank Indonesia. (2014). ​Peraturan Bank Indonesia no.16/11/pbi/2014 tanggal 1 juli 2014 tentang pengaturan dan pengawasan makroprudensial. Retrieved from https://www.bi.go.id/id/publikasi/peraturan/Pages/PBI_161114.aspx Berger, A. N., & Mester, L. J. (1998). Inside the black box: What explains differences in the efficiencies of financial institutions? SSRN Electronic Journal, 21(202). https://doi.org/10.2139/ssrn.138159 Charnes, A., Cooper, W. W., Golany, B., Seiford, L., & Stutz, J. (1985). Foundations of data envelopment analysis for Pareto-Koopmans efficient empirical production functions. Journal of Econometrics, 30(1–2), 91–107. https://doi.org/10.1016/0304-4076(85)90133-2 Firdaus, M. F., & Hosen, M. N. (2013). Efisiensi bank umum syariah menggunakan  pendekatan two-stage data envelopment analysis. Buletin Ekonomi Moneter dan Perbankan, 16(2), https://doi.org/10.21098/bemp.v16i2.31 Insawan, H., Rahman, M., & Anhusadar, L. O. (2020). Comparative analysis of syariah bank in Indonesia. International Journal of Advanced Science and Technology, 29(4), 1457–1463. Kamaruddin, B. H., Safa, M. S., & Mohd, R. (2008). Assessing production efficiency of Islamic banks and conventional bank Islamic windows in Malaysia. International Journal of Business and Management Science, 1(1), 31–48. Marjanović, I., Stanković, J. J., & Popović, Ž. (2018). Efficiency estimation of commercial banks based on financial performance: Input oriented DEA CRS/VRS models. Economic Themes, 56(2), 239–252. https://doi.org/10.2478/ethemes-2018-0014 Rani, L. N., & Kassim, S. (2020). Comparing the intertemporal efficiency of Islamic banks in Indonesia and Malaysia. Journal of Islamic Monetary Economics and Finance, 6(4), 861–894. https://doi.org/10.21098/jimf.v6i4.1147 Řepková, I. (2014). Efficiency of the Czech banking sector employing the DEA window analysis approach. Procedia Economics and Finance, 12(March), 587–596. https://doi.org/10.1016/S2212-5671(14)00383-9 Rusydiana, A. S. (2018). Efisiensi dan stabilitas bank umum syariah di Indonesia. Akuntabilitas, 11(2), 203-222. https://doi.org/10.15408/akt.v11i2.7033 Sutanto, H. A., & Imaningati, S. (2015). Tingkat efisiensi produksi dan pendapatan usaha kecil (studi pengolahan ikan asin di kota Pekalongan). Jejak: Jurnal Ekonomi dan Kebijakan, 7(1), 73-84. https://doi.org/10.15294/jejak.v7i1.3844  
The Influence of Halal Knowledge on the Attitude of Syar'i Fashion Consumers in Surabaya Auliya Walidani Syafitri; Ari Prasetyo
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 2 (2022): Maret-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20222pp203-212

Abstract

ABSTRAK Perilaku konsumen muslim dalam mengonsumsi suatu produk, hendaknya melihat pada sisi kehalalan atau syariat Islam, termasuk dalam hal pakaian. Penelitian ini bertujuan untuk mengetahui bagaimana hubungan antara pengetahuan halal terhadap sikap konsumen muslim di Surabaya atas konsumsi fesyen syar'i. Metode kuantitatif penelitian ini menggunakan pendekatan korelasi dan menggunakan PLS. Hasil pada penelitian ini adalah pengetahuan berpengaruh positif signifikan terhadap sikap konsumen fesyen syar’i di Surabaya. Sehingga, produsen dan pemasar harus memperhatikan kehalalan dalam memproduksi dan memasarkan produknya. Kata Kunci: Fesyen Syar’i, Pengetahuan Halal, Sikap, Perilaku Konsumen.   ABSTRACT Muslim consumer behavior in consuming a product should look at the halal side or Islamic law, including in terms of fashion. This research aims to find out how the relationship between halal knowledge to Muslim consumer attitudes in Surabaya over the consumption of syar'i fashion. The quantitative method of this research uses a correlation approach with PLS. The result of this study is that knowledge has a significant positive effect on the attitude of consumers of syar'i fashion in Surabaya. Thus, manufacturers and marketers should pay attention to halalness in producing and marketing their products. Keywords: Fashion Syar’i, Halal Knowledge, Attitude, Consumer Behavior.   DAFTAR PUSTAKA Abuznaid, S. (2012). Islamic marketing: Addressing the muslim market. Humanities, 26(6), 1473–1503. Adiba, E. M., & Wulandari, D. A. (2018). Pengaruh halal knowledge, islamic religiosity, dan attitude terhadap behavior konsumen muslim generasi y pengguna kosmetik halal di Surabaya. Inobis: Jurnal Inovasi Bisnis dan Manajemen Indonesia, 1(3), 357–369. https://doi.org/10.31842/jurnal-inobis.v1i3.42 Amanda, F., Possumah, B. T., & Firdaus, A. (2018). Consumerism in personal finance: An Islamic wealth management approach. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah, 10(2), 325–340. https://doi.org/10.15408/aiq.v10i2.5518 Amin, H., Rahman, A. R. A., Razak, D. A., & Rizal, H. (2017). Consumer attitude and preference in the Islamic mortgage sector: A study of Malaysian consumers. Management Research Review, 40(1), 95–115. https://doi.org/10.1108/MRR-07-2015-0159 BPS Kota Surabaya. (2020). Surabaya municipality in figures 2020. Surabaya: BPS Kota Surabaya. https://doi.org/1102002.3578 Divianjella, M., Muslichah, I., & Ariff, Z. H. A. (2020). Do religiosity and knowledge affect the attitude and intention to use halal cosmetic products? Evidence from Indonesia. Asian Journal of Islamic Management (AJIM), 2(2), 71–81. https://doi.org/10.20885/ajim.vol2.iss2.art1 Dwiastuti, R., Shinta, A., & Isaskar, R. (2012). Ilmu perilaku konsumen. Malang: UB Press. Engel, J. F., Blackwell, R. D., & Miniard, P. W. (1994). Perilaku konsumen. Surabaya: Binarupa Aksara. Engel, J. F., Blackwell, R. D., & Miniard, P. W. (1995). Perilaku konsumen. Surabaya: Binarupa Aksara. Farlina, N., Shafii, Z., & Shahwan, S. (2015). Awareness and perception of muslim consumers on halal cosmetics and personal care products. International Journal of Business, Economics and Management, 2(1), 1–14. http://dx.doi.org/10.18488/journal.62/2015.2.1/62.1.1.14 Firmansyah, M. A. (2018). Perilaku konsumen. Jakarta: Deepublish. Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2017). A primer on partial least squares structural equation modeling (PLS-SEM). Thousand Oaks: Sage. Hair, Joseph F., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2019). When to use and how to report the results of PLS-SEM. European Business Review, 31(1), 2–24. https://doi.org/10.1108/EBR-11-2018-0203 Harun, T. W. R., Rashid, R. A., & Hamed, A. B. (2015). Factors influencing products’ knowledge of Islamic banking employees. 3(1), 23–33. https://doi.org/10.15640/jisc.v3n1a4 Haryono, S. (2016). Metode SEM untuk penelitian manajemen dengan AMOS LISREL PLS. Bekasi: Intermedia Personalia Utama. Karim, A. (2014). Ekonomi mikro Islami. Rajawali Pers. Karim, M. A. (2013). Perilaku komunitas muslim perkotaan dalam mengonsumsi produk halal. Jakarta: Kementerian Agama RI. Kementerian Agama Republik Indonesia. (2017). Qur’an Kemenag. Jakarta: LPMQ. https://quran.kemenag.go.id/ Khan, M. A. (2020). Theory of consumer behavior: An Islamic perspective. Retrieved from https://mpra.ub.uni-muenchen.de/id/eprint/104208 Kotler, P., & Keller, K. L. (2008). Manajemen pemasaran. Jakarta: Erlangga. Maichum, K., Parichatnon, S., & Peng, K. C. (2017). The Influence of attitude, knowledge and quality on purchase intention towards halal food: A case study of young non-muslim consumers in Thailand. IRA-International Journal of Management & Social Sciences (ISSN 2455-2267), 6(3), 354. https://doi.org/10.21013/jmss.v6.n3.p3 Muslichah, I., & Sanusi, S. (2019). The effect of religiosity and financial literacy on intention to use Islamic banking products. Asian Journal of Islamic Management (AJIM), 1(2), 85–92. https://doi.org/10.20885/ajim.vol1.iss2.art2 Nurhayati, T., & Hendar, H. (2020). Personal intrinsic religiosity and product knowledge on halal product purchase intention: Role of halal product awareness. Journal of Islamic Marketing, 11(3), 603–620. https://doi.org/10.1108/JIMA-11-2018-0220 Pickens, J. (2005). Attitudes and perceptions. In Organizational behavior in health care (pp. 43–76). Sudbury: Jones and Bartlett Publishers. https://doi.org/10.1007/978-94-009-4978-2_11 Rahman, A. A., Asrarhaghighi, E., & Rahman, S. A. (2015). Consumers and halal cosmetic products: Knowledge, religiosity, attitude and intention. Journal of Islamic Marketing, 6(1), 148–163. https://doi.org/10.1108/JIMA-09-2013-0068 Sadeeqa, S., Sarriff, A., Masood, I., Atif, M., & Farooqi, M. (2013). Evaluation of knowledge, attitude, and perception regarding halal pharmaceuticals, among general medical practitioners in Malaysia. Archives of Pharmacy Practice, 4(4), 139. https://doi.org/10.4103/2045-080x.123209 Simanjuntak, M., & Dewantara, M. M. (2014). The effects of knowledge, religiosity value, and attitude on halal label reading behavior of undergraduate students. ASEAN Marketing Journal, 6(2), 65–76. https://doi.org/10.21002/amj.v6i2.4216 Treiger, A. (2012). Inspired knowledge in Islamic thought: Al-Ghazali’s theory of mystical cognition and its Avicennian foundation. UK: Routledge. Utami, I. W. (2017). Perilaku konsumen: Analisis perilaku konsumen terhadap keputusan pembelian. Sukoharjo: CV Pustaka Bengawan. Wilson, J. A. J., & Liu, J. (2011). The challenges of Islamic branding: Navigating emotions and halal. Journal of Islamic Marketing, 2(1), 28–42. https://doi.org/10.1108/17590831111115222  
Analysis of the Role of the Government and Society on Zakat in East Java Province Hashfi Hizrian Atiqi; Tika Widiastuti
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 2 (2022): Maret-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20222pp230-238

Abstract

ABSTRAK Penelitian ini bertujuan untuk mengetahui peran pemerintah dan masyarakat dalam perzakatan di Jawa Timur. Hal tersebut dinilai dengan menggunakan dimensi makro pada indeks zakat nasional. Penelitian ini menggunakan metode penelitian deskriptif kuantitatif dengan alat analisis Indeks Zakat Nasional. Penelitian dilakukan dengan memberi kuesioner kepada pihak Lembaga Amil Zakat terkait data yang dibutuhkan. Hasil yang didapat pada dimensi makro adalah 0,31 yang mana menunjukkan nilai yang kurang baik. Hal itu disebabkan oleh beberapa faktor diantaranya masih rendahnya dukungan APBD untuk biaya operasional Lembaga Amil Zakat dan nilai rasio muzakki baik individu maupun badan usaha yang masih sangat rendah. Kata Kunci: Lembaga Amil Zakat, Indeks Zakat Nasional, Dimensi Makro, Kinerja.   ABSTRACT This study aims to determine the role of government and society on zakat in East Java. These roles are assessed using the macro dimensions of the national zakat index. This study uses a quantitative descriptive research method with the National Zakat Index analysis tool. The research was conducted by distributing questionnaires to Amil Zakat Institutions regarding the required data. The results obtained by the zakat institution on the macro dimension is 0.31 which indicates a poor value. This was caused by several factors, including the low budget support for operational costs of Amil Zakat Institution and the very low value of the muzakki ratio for both individuals and business entities. Keywords: Amil Zakat Institution, National Zakat Index. Macro Dimension, Performance.   DAFTAR PUSTAKA Badan Pusat Statistik. (2020). Jumlah penduduk miskin menurut provinsi, 2007-2020. Retrieved from https://www.bps.go.id/linkTableDinamis/view/id/1119 Badan Pusat Statistik. (2020). Jumlah perusahaan, tenaga kerja, investasi, dan nilai produksi menurut kabupaten/kota di provinsi Jawa Timur, 2017. Retrieved from https://jatim.bps.go.id/statictable/2019/10/15/1943/jumlah-perusahaan-tenaga-kerja-investasi-dan-nilai-produksi-menurut-kabupaten-kota-di-provinsi-jawa-timur-2017-.html Khoirunnisa, A. A. (2017). Analisis kinerja baznas kabupaten Cilacap dengan pendekatan indeks zakat nasional.  Skripsi tidak dipublikasikan. Bogor: Institut Pertanian Bogor. Mubarokah, I. (2017). Analisis kinerja perzakatan provinsi Jawa Tengah. Skripsi tidak dipublikasikan. Bogor: Institut Pertanian Bogor. Pusat Kajian Strategis BAZNAS. (2016). Indeks zakat nasional. Jakarta Pusat: Pusat Kajian Strategis BAZNAS. Pusat Kajian Strategis BAZNAS. (2020). Revisi komponen dan formula penghitungan indeks zakat nasional. Jakarta Pusat: Pusat Kajian Strategis BAZNAS Putri, Y. H. (2017). Analisis kinerja pengelolaan zakat di badan amil zakat nasional (BAZNAS) kota Yogyakarta. Skripsi tidak dipublikasikan. Bogor: Institut Pertanian Bogor. Saf, M. A. (2015). Efektivitas pelaksanaan perda pengelolaan zakat di kota Mojokerto dan kabupaten Sidoarjo. Al-Daulah: Jurnal Hukum Dan Perundangan Islam, 5(2), 312-332. https://doi.org/10.15642/ad.2015.5.2.312-332
Does Environmental Disclosure, Environmental Performance, and Financial Performance Impact the Stock Prices? Evidence from Issuers in Jakarta Islamic Index Shinta Sunja Prastika; Muhammad Nafik Hadi Ryandono
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 2 (2022): Maret-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20222pp252-259

Abstract

ABSTRAK Manusia, hewan, maupun tumbuhan sangat bergantung kepada lingkungan hidup. Sudah menjadi kewajiban manusia untuk menjaga kelestarian lingkungan mengingat peran penting lingkungan bagi kehidupan. Dalam proses menjaga kelestarian lingkungan dipengaruhi oleh berbagai faktor yang mendorong maupun menghambat. Salah satu faktor yang menjadi penghambat kelestarian lingkungan adalah aktivitas perusahaan. Tujuan dari pada penelitian ini adalah mengetahui apakah terdapat pengaruh antara pengungkapan lingkungan, kinerja lingkungan, dan kinerja keuangan terhadap harga saham. Variabel independen yang digunakan dalam penelitian ini adalah pengungkapan lingkungan, kinerja lingkungan, dan kinerja keuangan. Sementara variabel dependennya yakni harga saham. Pendekatan yang dipilih dalam penelitian ini adalah kuantitatif dengan menggunakan teknik regresi data panel. Sampel yang digunakan sebanyak 9 emiten terdaftar di Jakarta Islamic Index dan PROPER periode 2015-2019. Hasil penelitian menyatakan bahwasanya pengungkapan lingkungan dan kinerja lingkungan berpengaruh positif tidak signifikan terhadap harga saham. Sedangkan kinerja keuangan berpengaruh positif signifikan terhadap harga saham. Kata Kunci: Pengungkapan lingkungan, Kinerja lingkungan, Kinerja keuangan, Harga saham.   ABSTRACT Humans, animals, and plants are very dependent on the environment. It has become a human obligation to preserve the environment considering the important role of the environment in life. The process of preserving the environment is influenced by various encouraging and inhibiting factors. One of the factors that hinder environmental sustainability is the company's activities. The purpose of this study is to determine whether there is an influence between environmental disclosure, environmental performance, and financial performance on stock prices. The independent variables used in this study are environmental disclosure, environmental performance, and financial performance. While the dependent variable is the stock price. The approach chosen in this study is quantitative using panel data regression techniques. The sample used is 9 companies listed in the Jakarta Islamic Index and PROPER for the 2015-2019 period. The results of the study stated that environmental disclosure and environmental performance had no significant positive effect on stock prices. While financial performance has a significant positive effect on stock prices. Keywords: Environmental disclosures, Environmental performance, Financial performance, Stock prices.   DAFTAR PUSTAKA AirVisual. (2019). Kota dengan polusi udara tertinggi dan kualitas udara terburuk di dunia. Retrieved from https://www.iqair.com/id/world-air-quality-ranking Al-Tuwaijri, S. A., Christensen, T. E., & Hughes, K. E. (2005). The Relations Among Environmental Disclosure, Environmental Performance, and Economic Performance: A Simultaneous Equations Approach. SSRN Electronic Journal, August. https://doi.org/10.2139/ssrn.405643 Dowling, J., & Pfeffer, J. (1975). Pacific Sociological Association Organizational Legitimacy: Social Values and Organizational Behavior. Source: The Pacific Sociological Review, 18(1), 122–136. Gita Indah Dewi Fortuna, N. M., & Putra, I. N. W. A. (2020). Pengaruh Kinerja Lingkungan, Pengungkapan Informasi Lingkungan, dan Good Corporate Governance pada Harga Saham Perusahaan. E-Jurnal Akuntansi, 30(4), 1019. https://doi.org/10.24843/eja.2020.v30.i04.p18 Haniffa, R. (2002). Social Responsibility Disclosure: An Islamic Perspective. Indonesian Management and Accounting Research, 1, 128–146. Kementerian Agama RI. (2019). Al-qur'an dan terjemahannya. Jakarta: Kemenag RI. Kurnia, P., Darlis, E., & Putra, A. A. (2020). Carbon emission disclosure, good corporate governance, financial performance, and firm value. Journal of Asian Finance, Economics and Business, 7(12), 223–231. https://doi.org/10.13106/jafeb.2020.vol7.no12.223 Laplume, A. O., Sonpar, K., & Litz, R. A. (2008). Stakeholder theory: Reviewing a theory that moves us. Journal of Management, 34(6), 1152-1189. https://doi.org/10.1177/0149206308324322 Monteiro, S. M. da S., & Aibar-Guzmán, B. (2010). Determinants of environmental disclosure in the annual reports of large companies operating in Portugal. Corporate Social Responsibility and Environmental Management, 17(4), 185–204. https://doi.org/10.1002/csr.197 Preston, L. E., & Post, J. E. (1981). Private management and public policy. California Management Review, 23(3), 56–62. https://doi.org/10.2307/41172602 Rusmita, S. A., Syafira, F. N., & Afifa, O. M. (2020). The effect of environmental disclosures on ISSI company stock prices. International Journal of Innovation, Creativity and Change, 10(12), 488–501. Wilmshurst, T., & Frost, G. (2000). Corporate environmental reporting: A test of legitimacy theory. Accounting, Auditing & Accountability Journal, 13, 10–26. https://doi.org/10.1108/09513570010316126 Wolk, H., Dodd, J., & Rozycki, J. (2017). Accounting theory: Conceptual issues in a political and economic environment. London: SAGE.
The Influence of Digital Zakat on Zakat Collection and Performance of Amil Zakat Institutions Muhammad Raihan Mauludin; Sri Herianingrum
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 1 (2022): Januari-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20221pp47-58

Abstract

ABSTRAK Pada zaman yang sudah modern ini, teknologi telah berkembang dengan cepat. Perkembangan teknologi dimanfaatkan dalam berbagai bidang kehidupan. Di Indonesia sendiri, salah satu bidang yang memanfaatkan perkembangan teknologi adalah zakat. Digital Zakat menjadi inovasi yang dilakukan oleh Lembaga Amil Zakat untuk memaksimalkan potensi zakat yang ada. Penelitian ini adalah penelitian dengan metode kuantitatif Dengan menggunakan data primer dari 42 responden yang diolah menggunakan Structural Equation Model (SEM) dengan basis Partial Least Square (PLS). Penelitian ini menemukan bahwa digital zakat memberikan pengaruh yang positif signifikan terhadap penghimpunan zakat. Kemudian penelitian ini juga menemukan bahwa penghimpunan zakat berpengaruh positif signifikan terhadap kinerja Lembaga Amil Zakat. Yang terakhir, penelitian ini juga menemukan bahwa digital zakat memiliki pengaruh yang positif signifikan Kata Kunci: Digital Zakat, Penghimpunan Zakat, Kinerja Lembaga Amil Zakat.   ABSTRACT In this modern era, technology has developed rapidly. Technological developments are used in various fields of life. In Indonesia itself, one of the fields that take advantage of technological developments is zakat. Digital Zakat is an innovation carried out by the Amil Zakat Institution to maximize the potential of existing zakat. This research is a quantitative research method using primary data from 42 respondents who were processed using the Structural Equation Model (SEM) on the basis of Partial Least Square (PLS). This study found that digital zakat has a significant positive effect on zakat collection. Then this study also found that the collection of zakat had a significant positive effect on the performance of the Amil Zakat Institution. Finally, this study also finds that digital zakat has a significant positive effect. Keywords: Digital Zakat, Zakat Collection, Performance of Amil Zakat Institutions.   DAFTAR PUSTAKA Amilahaq, F., Wijayanti, P., Mohd Nasir, N. E., & Ahmad, S. (2021). Digital platform of zakat management organization for young adults in indonesia. In Barolli L., Poniszewska-Maranda A., Enokido T. (eds), Complex, Intelligent and Software Intensive Systems (pp 454-462). Switzerland: Springer, Cham. https://doi.org/10.1007/978-3-030-50454-0_46 Ardani, R., Kosim, A., & Yuniartie, E. (2019). Analisis kinerja lembaga amil zakat pada badan amil zakat nasional (Baznas) Kabupaten Ogan Ilir dengan metode Indonesia magnificence zakat (IMZ). Akuntabilitas, 13(1), 19–32. https://doi.org/10.29259/ja.v13i1.9526 Bastiar, Y., & Bahri, E. S. (2019). Model pengkuran kinerja lembaga zakat di Indonesia. ZISWAF: Jurnal Zakat dan Wakaf, 6(1), 43. https://doi.org/10.21043/ziswaf.v1i1.5609 Darmawati, D., Mukti, M. A., & Wahyudin. (2011). Kinerja lembaga amil zakat/LAZ dalam perspektif keuangan dan customer. Journal & Proceeding FEB Unsoed, 1(1), 1–8. Ghazali, Al. (2014). Structural equation model metode alternatif dengan partial least square (PLS). Semarang: Badan Penerbit Universitas Diponegoro. Hayashi, K., Bentler, P. M., & Yuan, K. H. (2007). 13 structural equation modeling. Handbook of Statistics, 27(07), 395–428. https://doi.org/10.1016/S0169-7161(07)27013-0 Lestari, P. (2010). Pengukuran kinerja badan amil zakat daerah (BAZDA) Kabupaten X perspektif balanced scorecard. Jurnal Investasi, 6(1), 1–13. Lutfiyanto, A. M. (2020). Pengembangan inovasi zakat berbasis digital pada lembaga amil zakat infaq dan shadaqah (Zakat inklusif). Jurnal Kajian Islam Kontemporer (JURKAM), 1(1), 7–12. https://ejurnal.seminar-id.com/index.php/jurkam/article/view/209 Rijal, K., & Nilawati. (2019). Potensi pembayaran zakat secara online dan offline serta realisasi dana zakat Indonesia. I-Economics: A Research Journal on Islamic Economics, 5(2). 116-131. Rohim, A. N. (2019). Optimalisasi penghimpunan zakat melalui digital fundraising. Al-Balagh: Jurnal Dakwah dan Komunikasi, 4(1), 59. https://doi.org/10.22515/balagh.v4i1.1556 Sarwono, Y. (2010). Pengertian dasar structural equation modeling (SEM). Jurnal Ilmiah Manajemen Bisnis Ukrida, 10(3), 98528. Sakka, A. R., & Qulub, L. (2019). Efektivitas penerapan zakat online terhadap peningkatan pembayaran zakat pada lembaga dompet dhuafa Sulawesi Selatan. Al-Azhar Journal of Islamic Economics, 1(2), 66–83. https://doi.org/10.37146/ajie.v1i2.21 Soeharjoto, Tribudhi, D. A., & Nugroho, L. (2019). Fintech di era digital untuk meningkatkan kinerja ZIS di Indonesia. Jurnal Ilmiah Ekonomi Islam, 5(03), 137–144. Soleh, M. (2020). Zakat fundraising strategy: Opportunities and challenges in digital era. Journal of Nahdlatul Ulama Studies, 1(1), 1–16. https://doi.org/10.35672/jnus.v1i1.4 Tantriana, D., & Rahmawati, L. (2019). The analysis of surabaya muzaki’s preference for zakat payment through zakat digital method. International Conference of Zakat, 23. https://doi.org/10.37706/iconz.2018.118
Is that Financial Knowledge, Investment Experience, and Project Advertisement Have any Influence on Students’ Investment Intention in Sharia Crowdfunding? Zakkya Jihan Nabilla; Atina Shofawati
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 2 (2022): Maret-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20222pp260-272

Abstract

ABSTRAK Crowdfunding Syariah merupakan salah satu bentuk fintech dengan mengumpulkan dana dari masyarakat untuk diberikan kepada pihak atau proyek yang membutuhkan bantuan dana dengan menerapkan prinsip syariah didalamnya. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh dari pengetahuan keuangan, pengalaman investasi mahasiswa dan iklan proyek terhadap minat investasi mahasiswa pada situs crowdfunding syariah di Indonesia. Pada penelitian ini digunakan metode kuantitatif dengan teknik analisis PLS-SEM. Dari hasil penelitian ditemukan bahwa pengetahuan keuangan dan iklan proyek berpengaruh signifikan terhadap minat investasi mahasiswa pada situs crowdfunding syariah, sedangkan pengalaman investasi mahasiswa memiliki pengaruh yang tidak signifikan pada minat investasi mahasiswa pada situs crowdfunding syariah di Indonesia. Kata Kunci: Pengetahuan Keuangan, Pengalaman Investasi, Iklan Proyek, Investasi Mahasiswa, Crowdfunding Syariah.   ABSTRACT Sharia crowdfunding is a form of fintech that collects funds from the public to be given to parties or projects that need financial assistance by applying sharia principles in it. This study aims to determine the effect of financial knowledge, investment experience, and project advertising on students’ investment intention in sharia crowdfunding sites in Indonesia. In this study, quantitative methods were used with PLS-SEM analysis techniques. It found that financial knowledge and project advertising had a significant effect on students’ investment intention in sharia crowdfunding sites, while students’ investment experience had an insignificant effect on the students’ investment intention in sharia crowdfunding sites in Indonesia. Keywords: Knowledge, Investment Experience, Project Advertisement, Students’ Investment, Sharia Crowdfunding.   DAFTAR PUSTAKA Alquraan, T., Alqisie, A., & Al Shorafa, A. (2016). Do behavioral finance factors influence stock investment decisions of individual investors? (Evidences from Saudi Stock Market). American International Journal of Contemporary Research, 6(3), 159–169. Awais, M., Fahad Laber, M., Rasheed, N., & Khursheed, A. (2016). Impact of financial literacy and investment experience on risk tolerance and investment decisions: Empirical evidence from Pakistan. International Journal of Economics and Financial Issues, 6(1), 73–79. Chou, S. R., Huang G. L., & Hsu H. L. (2010). Investor attitude and behavior towards inherent risk and potential in financial product. International Research Journal of Finance and Economics. Darmansyah, Fianto, B. A., Hendratmi, A., & Aziz, P. F. (2020). Factors determining behavioral intentions to use Islamic financial technology: Three competing models. Journal of Islamic Marketing, 12(4), 794–812. https://doi.org/10.1108/JIMA-12-2019-0252 Faidah, F. (2019). Pengaruh literasi keuangan dan faktor demografi terhadap minat investasi mahasiswa. JABE (Journal of Applied Business and Economic), 5(3), 251. https://doi.org/10.30998/jabe.v5i3.3484 Hardiwinoto. (2013). Teori dan praktik keputusan investasi sektor rill dan finansial. Semarang: Unimus Press. Hendratmi, A., Ryandono, M. N. H., & Sukmaningrum, P. S. (2020). Developing Islamic crowdfunding website platform for startup companies in Indonesia. Journal of Islamic Marketing, 11(5), 1041–1053. https://doi.org/10.1108/JIMA-02-2019-0022 Lacan, C., & Desmet, P. (2017). Does the crowdfunding platform matter? Risks of negative attitudes in two-sided markets. Journal of Consumer Marketing, 34(6), 472–479. https://doi.org/10.1108/JCM-03-2017-2126 Lubis, P. K. D. (2019). Influence of knowledge investment and investment motivation against the interest of investing in the stock market on economic education status of students of state university of Medan. Journal of Physics: Conference Series, 1387(1). https://doi.org/10.1088/1742-6596/1387/1/012064 Mishra, K. C., & Metilda, M. J. (2015). A study on the impact of investment experience, gender, and level of education on overconfidence and self-attribution bias. IIMB Management Review, 27(4), 228–239. https://doi.org/10.1016/j.iimb.2015.09.001 Nagy, A., & Obenberger, W. (1994). Influencing individual behavior investor. Financial Analysts Journal, 50(4), 63–68. https://doi.org/10.2469/faj.v50.n4.63 Nugroho, A. Y., & Rachmaniyah, F. (2019). Fenomena perkembangan crowdfunding di Indonesia. Ekonika: Jurnal Ekonomi Universitas Kadiri, 4(1), 34-46. https://doi.org/10.30737/ekonika.v4i1.254 Otoritas Jasa Keuangan. (2021). Statistik fintech lending periode Januari 2021. https://www.ojk.go.id/id/kanal/iknb/data-dan-statistik/fintech/Pages/Statistik-Fintech-Lending-Periode-Januari-2021.aspx Putra, S. M., & Susilowati, F. D. (2020). Pengaruh popularitas proyek dan kualitas informasi proyek pada kampanye crowdfunding. Jurnal Konsep Bisnis dan Manajemen, 7(November), 35–47. https://doi.org/10.31289/jkbm.v7i1.4225 Schwienbacher, A., & Larralde, B. (2012). Crowdfunding of small entrepreneurial ventures. SSRN Electronic Journal, 2010. https://doi.org/10.2139/ssrn.1699183 Suprihati., & Pradanawati, S. L. (2020). The influence of knowledge, investment motivation and investment understanding on student interest to invest in the capital market. International Journal of Economics, Business and Accounting Research (IJEBAR), 4(4), 1030–1038. Suyanti, E., & Hadi, N. U. (2019). Analisis motivasi dan pengetahuan investasi terhadap minat investasi mahasiswa di pasar modal. Edunomic Jurnal Pendidikan Ekonomi, 7(2), 108-116. https://doi.org/10.33603/ejpe.v7i2.2352 Taha, T., & Macias, I. (2014). Crowdfunding and Islamic finance: A good match? In Social Impact Finance (pp. 113–125). https://doi.org/10.1057/9781137372697_10 Tuyon, J., & Ahmad, Z. (2016). Behavioural finance perspectives on Malaysian stock market efficiency. Borsa Istanbul Review, 16(1), 43–61. https://doi.org/10.1016/j.bir.2016.01.001 Zheng, H., Li, D., Wu, J., & Xu, Y. (2014). The role of multidimensional social capital in crowdfunding: A comparative study in China and US. Information and Management, 51(4), 488–496. https://doi.org/10.1016/j.im.2014.03.003  
The Impact of Sectoral Financing Diversification on Non-Performing Financing of Islamic Rural Banks Dityawarman El Aiyubbi; Agus Widarjono; Nabilah Amir
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 2 (2022): Maret-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20222pp140-155

Abstract

ABSTRAK Penelitian ini bertujuan untuk menganalisis pengaruh diversifikasi pembiayaan dengan beberapa kontrol variabel baik variabel internal bank maupun variabel eksternal terhadap NPF BPRS di Indonesia. Faktor internal terdiri dari aset, CAR, pembiayaan, efisiensi operasi, sedangkan variabel eksternal adalah kondisi ekonomi makro yaitu output domestik dan tingkat inflasi. Penelitian ini menggunakan data time series, bulan Januari 2010 sampai Desember 2019. Penelitian ini menggunakan metode Autoregressive Distributed Lag model (ARDL). Berdasarkan hasil uji kointegrasi terdapat hubungan jangka panjang dalam penelitian ini. Penelitian ini menunjukkan bahwa diversifikasi menyebabkan NPF yang tinggi. Selain itu, peningkatan CAR dan Inflasi menyebabkan meningkatkan NPF pada BPRS di Indonesia. Pembiayaan yang diproksi dengan rasio pembiayaan terhadap total aset menunjukkan pengaruh yang negatif terhadap NPF. Implikasi bagi BPRS yakni BPRS diharapkan lebih pada konsentrasi pembiayaan pada sektor tertentu karena akan mengurangi risiko pembiayaan bermasalah pada BPRS. selain itu BPRS dalam melakukan pembiayaan perlu menerapkan prinsip kehati-hatian agar dapat meningkatkan profitabilitas dan mengurangi pembiayaan bermasalah. kemudian bagi pemerintah diharapkan terus menjaga kondisi ekonomi sehingga dapat mengurangi risiko pembiayaan bermasalah. Kata Kunci: NPF, Diversifikasi, Pembiayaan, Inflasi, ARDL.   ABSTRACT This research aims to analyze the effect of financing diversification with some variable controls on both internal bank variables and external variables to NPF of BPRS in Indonesia. Internal factors consist of assets, CAR, financing, operating efficiency. While external variables are macroeconomic conditions, i.e., domestic output and inflation rate. This study uses time-series data, from January 2010 to December 2019. The study used the Autoregressive Distributed Lag Model (ARDL) method. Based on the cointegration test results, this study has a long-term relationship. This research shows that diversification leads to high NPF. In addition, the increase in CAR and Inflation led to an increase in NPF of BPRS in Indonesia. Projected financing with a ratio of financing to total assets negatively influences NPF. The implication for BPRS is that BPRS should focus on financing in specific segments because it will reduce the risk of non-performing financing. BPRS also needs to apply the prudential principle to increase profitability and reduce non-performing financing. In addition, the government must also maintain a stable economic condition to reduce the risk of non-performing financing. Keywords: NPF, Diversification, Financing, Inflation, ARDL.   DAFTAR PUSTAKA Abidin, Z., Rumbaf, A. S., Iqbal, M., & Prabantarikso, R. M. (2020). Determinants of credit risk diversification in Indonesian banking industry. Journal of Seybold Report, 15(8), 1932–1948. Acharya, V. V., Hasan, I., & Saunders, A. (2006). Should banks be diversified? Evidence from individual bank loan portfolios. The Journal of Business, 79(3), 1355–1412. https://doi.org/10.1086/500679 Adzobu, L. D., Agbloyor, E. K., & Aboagye, A. (2017). The effect of loan portfolio diversification on banks’ risks and return: Evidence from an emerging market. Managerial Finance, 43(11), 1274–1291. https://doi.org/10.1108/MF-10-2016-0292 Al Qur’an Surat Al-Baqarah/2:282 Al-kayed, L. T., & Aliani, K. C. (2020). Effects of focus versus diversification on bank risk and return: evidence from Islamic banks’ loan portfolios. Journal of Islamic Accounting and Business Research, 11(9), 2155–2168. https://doi.org/10.1108/JIABR-10-2019-0192 Baskara, I. G. K. (2013). Lembaga keuangan mikro di Indonesia. Buletin Studi Ekonomi, 18(2), 114–125. Christianti, A. (2011). 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Apa dan bagaimana bank syariah. Yogyakarta: Dana Bhakti Wakaf. Kim, H., Batten, J. A. & Ryu, D. (2020). Financial crisis, bank diversification, and financial stability: OECD countries. International Review of Economics and Finance, 65(September 2019), 94–104. https://doi.org/10.1016/j.iref.2019.08.009 Kusi, B. A., Adzobu, L., Abasi, A. K. & Ansah-Adu, K. (2020). Sectoral loan portfolio concentration and bank stability: Evidence from an emerging economy. Journal of Emerging Market Finance, 19(1), 66–99. https://doi.org/10.1177/0972652719878597 Laestiani, N., Riani, W. & Haviz, M. (2020). Pengaruh inflasi, laju pertumbuhan ekonomi (LPE), dan return on asset (ROA) terhadap non performing financing (NPF) pada bank umum. Prosiding Ilmu Ekonomi, 6, 23–28. Liang, S., Moreira, F. & Lee, J. (2020). Diversification and bank stability. Economics Letters, 193,. https://doi.org/10.1016/j.econlet.2020.109312 Meriyati, M. & Hermanto, A. (2021). Sosialisasi sejarah bank perkreditan rakyat (BPR) dan bank perkreditan rakyat syariah (BPRS) kepada alumni pondok al-iman yang berada di Palembang. AKM: Aksi Kepada Masyarakat, 1(2), 43–52. https://doi.org/10.36908/akm.v1i2.187 Moudud-Ul-Huq, S., Ashraf, B. N., Gupta, A. Das & Zheng, C. (2018). Does bank diversification heterogeneously affect performance and risk-taking in ASEAN emerging economies? Research in International Business and Finance, 46(April), 342–362. https://doi.org/10.1016/j.ribaf.2018.04.007 Nugrohowati, R. N. I. & Bimo, S. (2019). Analisis pengaruh faktor internal bank dan eksternal terhadap Non-Performing Financing (NPF) pada Bank Perkreditan Rakyat Syariah di Indonesia. Jurnal Ekonomi & Keuangan Islam, 5(1), 42–49. https://doi.org/10.20885/jeki.vol5.iss1.art6 Otoritas Jasa Keuangan. (2010). Statistik perbankan syariah. Jakarta: OJK. Retrieved from https://www.ojk.go.id/ Otoritas Jasa Keuangan. (2011). Statistik perbankan syariah. Jakarta: OJK. 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Peraturan Otoritas Jasa Keuangan nomor 33/POJK.03/2018 tentang kualitas aset produktif dan pembentukan penyisihan penghapusan aset produktif bank perkreditan rakyat. Jakarta: Otoritas Jasa Keuangan. Otoritas Jasa Keuangan. (2018c). Statistik perbankan syariah. Jakarta: OJK. Retrieved from https://www.ojk.go.id/ Otoritas Jasa Keuangan. (2019a). Peraturan Otoritas Jasa Keuangan nomor 29/POJK.03/2019 tentang penilaian kualitas aset produktif dan pembentukan penyisihan penghapusan aset produktif bagi bank pembiayaan rakyat syariah. Jakarta: Otoritas Jasa Keuangan. Otoritas Jasa Keuangan. (2019b). Peraturan Otoritas Jasa Keuangan nomor 28/SEOJK.03/2019 tentang sistem penilaian tingkat kesehatan bank pembiayaan rakyat syariah. Jakarta: Otoritas Jasa Keuangan. Otoritas Jasa Keuangan. (2019c). Statistik perbankan syariah. Jakarta: OJK. https://www.ojk.go.id/ Prastiwi, I. E. & Anik, A. A. (2020). Diversifikasi kredit, monitoring, dan kinerja perbankan di Indonesia. Jurnal Ilmiah Ekonomi Islam, 6(1), 80–86. https://doi.org/10.29040/jiei.v6i1.775 Presiden Republik Indonesia (1992). Peraturan Pemerintah Republik Indonesia nomor 72 Tahun 1992 bank berdasarkan prinsip bagi hasil. Jakarta: Presiden RI. Priyadi, U., Utami, K. D. S., Muhammad, R., & Nugraheni, P. (2021). Determinants of credit risk of Indonesian Sharīʿah rural banks. ISRA International Journal of Islamic Finance, 13(3), 284-301. https://doi.org/10.1108/IJIF-09-2019-0134 Dewan Perwakilan Rakyat Republik Indonesia. (2013). Undang-Undang Republik Indonesia nomor 1 tahun 2013 tentang lembaga keuangan mikro. Jakarta: DPR RI. Dewan Perwakilan Rakyat Republik Indonesia. (1998). Undang-Undang Republik Indonesia nomor 10 tahun 1998 tentang perbankan. Jakarta: DPR RI. Dewan Perwakilan Rakyat Republik Indonesia. (2008). Undang-Undang Republik Indonesia nomor 21 tahun 2008 tentang perbankan syariah. Jakarta: DPR RI. Dewan Perwakilan Rakyat Republik Indonesia. (1999). Undang-Undang Republik Indonesia nomor 23 tahun 1999 tentang bank Indonesia. Jakarta: DPR RI. Rossi, S. P. S., Schwaiger, M. S., & Winkler, G. (2009). How loan portfolio diversification affects risk, efficiency and capitalization: A managerial behavior model for Austrian banks. Journal of Banking and Finance, 33(12), 2218–2226. https://doi.org/10.1016/j.jbankfin.2009.05.022 Safitri, M., Ismawanto, T. & Kusno, H. S. (2020). Pengaruh FDR dan BOPO terhadap NPF pada bank syariah anak perusahaan BUMN. Jurnal Bisnis dan Kewirausahaan, 16(3), 201–207. https://doi.org/10.31940/jbk.v16i3.2192 Setiawan, A. H. (2017). Analisis komparasi lembaga keuangan mikro (LKM) dalam penyaluran kredit mikro menurut preferensi usaha mikro di kota Semarang. Jurnal Dinamika Ekonomi dan Bisnis, 14(1), 1–16. https://doi.org/10.34001/jdeb.v14i1.566 Setyawati, I. (2018). Determinan pertumbuhan total aset dengan pendekatan variabel spesifik bank dan pangsa pasar pada perbankan syariah di Indonesia. 80–115. https://doi.org/10.31227/osf.io/yu9gs Shim, J. (2019). Loan portfolio diversification, market structure and bank stability. Journal of Banking and Finance, 104, 103–115. https://doi.org/10.1016/j.jbankfin.2019.04.006 Suhaimi & Asnaini. (2018). Pembiayaan bermasalah di bank syariah. Al-Intaj: Jurnal Ekonomi dan Perbankan Syariah, 4(2), 1–52. http://dx.doi.org/10.29300/aij.v4i2.1208 Tuasikal, M. A. (2009). Shahih sunan ibnu majah. Retrieved from https://gakopsyah.com/berita/detail/42/bahaya-orang-yang-enggan-melunasi-hutangnya.html Umami, D. R. & Rani, L. N. (2021). Faktor-faktor yang mempengaruhi non performing financing bank pembiayaan rakyat syariah periode 2015-2019. Jurnal Ekonomi Syariah Teori dan Terapan, 8(4), 483. https://doi.org/10.20473/vol8iss20214pp483-495 Widarjono, A. & Rudatin, A. (2021a). Financing diversification and Indonesian Islamic bank’s non-performing financing. Jurnal Ekonomi & Keuangan Islam, 7(1), 45–58. https://doi.org/10.20885/jeki.vol7.iss1.art4 Widarjono, A. & Rudatin, A. (2021b). The Determinants of Indonesian Islamic rural banks’ non-performing financing. Global Review of Islamic Economics and Business, 9(1), 29–041. https://doi.org/10.14421/grieb.2021.091-03
The Analysis of Problematic Financing Solution during Covid-19 Pandemic at Arrahmah Sharia Savings and Loans Cooperatives Rani Riyantari; Prima Dwi Priyatno
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 2 (2022): Maret-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20222pp192-202

Abstract

ABSTRAK Merebaknya coronavirus dan pemberlakuan pembatasan sosial berskala besar yang diterapkan di Indonesia menyebabkan banyak kinerja perusahaan mengalami penurunan, salah satunya pada koperasi simpan pinjam dan pembiayaan syariah. Dampak yang dihadapi koperasi yakni peningkatan nilai pembiayaan bermasalah akibat pandemi Covid-19. Artikel ini bertujuan untuk menganalisis strategi pengendalian yang dilakukan oleh koperasi untuk menekan tingkat pembiayaan bermasalah dengan mengacu pada Peraturan Pemerintah No. 7 dan Fatwa MUI No. 47, 48, dan 49. Metode artikel ini memakai pendekatan kualitatif deskriptif dengan jenis studi kasus. Pengumpulan data yang digunakan adalah teknik wawancara terstruktur dengan 5 informan yang terdiri dari pihak koperasi dan pihak anggota bermasalah, observasi partisipan pasif, serta dokumentasi. Peneliti menggunakan teknik triangulasi untuk menguji validitas data, dan peneliti melakukan reduksi data, penyajian data, dan penarikan kesimpulan/verifikasi data dalam teknik analisa data. Hasil penelitian dapat disimpulkan terdapat strategi pengendalian sesuai dengan Peraturan Pemerintah dan Fatwa MUI antara lain revitalisasi proses, optimalisasi sistem penagihan dan monitoring, konsolidasi kepada anggota koperasi, collateral, dan write-off. Kata kunci: Covid-19, KSPPS, NPF, strategi  pengendalian.   ABSTRACT The outbreak of the coronavirus and the large-scale social restrictions implemented in Indonesia have caused many companies' performance to decline, one of which is sharia savings and loan cooperatives. The impact faced by cooperatives is an increase in the value of non-performing financing due to the Covid-19 pandemic. This article aims to analyze the control strategy carried out by cooperatives to reduce the level of non-performing financing by referring to Government Regulation no. 7 and MUI Fatwa No. 47, 48, and 49. The method of this article uses a descriptive qualitative approach with a case study type. The data collection used is a structured interview technique with 5 informants consisting of cooperative parties and problematic members, passive participant observation, and documentation. The researcher used the triangulation technique to test the validity of the data, and the researcher carried out data reduction, data presentation, and conclusion drawing/data verification in data analysis techniques. The results of the study can be concluded that there are control strategies under Government Regulations and the MUI Fatwa, including process revitalization, optimization of billing and monitoring systems, consolidation of cooperative members, collateral, and write-off. Keywords: control strategies, Covid-19, KSPPS, NPF.   DAFTAR PUSTAKA Astuti, R. Y. (2015). Pembiayaan murâbahah yang bermasalah di baitul mâl wa tamwîl (BMT) XYZ dalam perspektif manajemen risiko. Islamic Economics Journal, 1(2), 191-211. https://doi.org/10.21111/iej.v1i2.351 Ayusafitri, D., Aminah., & Irawati. (2017). Penyelesaian pembiayaan akad musyarakah bermasalah pada koperasi BMT syari’ah makmur Bandar Lampung. Notarius, 13(1), 246-249. https://doi.org/10.14710/nts.v13i1.30393. DSN MUI. (2005a). Fatwa DSN-MUI tentang penyelesaian piutang murabahah bagi nasabah tidak mampu membayar. Jakarta: DSN MUI. DSN MUI. (2005b). Fatwa DSN MUI tentang penjadwalan kembali tagihan murabahah. Jakarta: DSN MUI. Firdaus, M., & Susanto, A. E. (2018). Perkoperasian: Sejarah, teori, dan praktek. Bogor: Ghalia Indonesia. Herman. (2020). 2.322 koperasi dan 185.184 umkm terdampak covid-19. Retrieved from https://www.beritasatu.com/ekonomi/642537/2322-koperasi-dan-185184-umkm-terdampak-covid19 Ihsanudin. (2020). Fakta lengkap kasus pertama virus corona di Indonesia. Retrieved from https://nasional.kompas.com/read/2020/03/03/06314981/fakta-lengkap-kasus-pertama-virus-corona-di-indonesia?page=all Ismail. (2018). Manajemen perbankan dari teori menuju aplikasi. Jakarta: Prenada Media Group. Kemenkop UKM RI. (2015). Peraturan Menteri Koperasi Dan Usaha Kecil Dan Menengah Republik Indonesia No. 16 /Per/M.Kukm/Ix/2015 tentang pelaksanaan kegiatan usaha simpan pinjam dan pembiayaan syariah oleh koperasi. Jakarta: Kemenkop UKM RI. Kemenkop UKM RI. (2020). Rencana Strategis Kementerian Koperasi Dan Usaha Kecil Dan Menengah tahun 2020 - 2021. Retrieved from https://kemenkopukm.go.id/uploads/laporan/1600168483_RENSTRA 2020-2024 OK.pdf Listanti, D., Dzulkirom, M., & Topowijono. (2015). Upaya penanganan pembiayaan murabahah bermasalah pada lembaga keuangan syariah (Studi pada KJKS baitul maal wat tamwil (BMT) mandiri sejahtera karangcangkring Gresik Jawa timur periode 2011-2013). Jurnal Administrasi Bisnis S1 Universitas Brawijaya, 1(1), 1-9. Madjid, S. S. (2018). Penanganan pembiyaan bermasalah pada bank syariah. Jurnal Hukum Ekonomi Syariah, 2(2), 96-109. https://doi.org/2549-4872 Rahmi, M., & Sari, L. P. (2021). Analisis implementasi penerapan SOP funding dan financing dalam menciptakan akuntabilitas pada BMT natijatul umat. Sebatik, 25(1), 19–26. https://doi.org/10.46984/sebatik.v25i1.1274 Sa’diyah, M. (2019). Fiqih muamalah II: Teori dan praktiks. Jepara: Unisnu Press. Shobirin. (2016). Penyelesaian pembiayaan murabahah bermasalah di baitul maal wa tamwil (BMT). Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam, 9(2), 398-420. https://doi.org/10.21043/iqtishadia.v9i2.1737 Sudarto, A. (2020). Penyelesaian pembiayaan bermasalah pada lembaga keuangan syariah studi BMT al hasanah Lampung Timur. Islamic Banking, 5(2), 99–116. https://doi.org/10.36908/isbank.v5i2.118 Sugiyono. (2020). Metode penelitian kualitatif. Bandung: CV. Alfabeta. Turmudin, M. (2017). Produksi dalam perspektif ekonomi Islam. Islamadina: Jurnal Ekonomi Islam, 18(1), 37-56. http://dx.doi.org/10.30595/islamadina.v0i0.1528 Wardoyo, F. R. S. (2018). Strategi koperasi keuangan syariah dalam menekan tingkat non performing financing (NPF) (studi kasus pada BMT Al-Ummah Mojokerto). Skripsi tidak dipublikasikan. Surabaya: UIN Sunan Ampel. Wijaya, C. (2020). PSBB Jakarta mulai 10 April selama dua minggu, namun pakar menyebut hasil efektif satu bulan untuk tekan Covid-19. Retrieved from https://www.bbc.com/indonesia/indonesia-52194441  

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